WV Farm Bureau Magazine November 2012 | Page 6

I am On Your Side ®
Steve Uhlman | Sponsor Relations Sales Manager

How to Save Money on Life Insurance

I am On Your Side ®
_________________________________________________________________________
Steve Uhlman | Sponsor Relations Sales Manager
Nationwide Insurance 614-332-4945 uhlmas @ nationwide. com
Six ideas to help you get the best deal
Who doesn’ t like to save money? Especially on life insurance. Shopping around might help, but how do you know if you’ re comparing apples to apples? Life insurance policies can be as varied as the hundreds of companies that offer them. So if fine print isn’ t your thing, start with the basics. Here are some ideas to get you going.
1. Live a healthy lifestyle. Most life insurance companies require a physical exam, and those that don’ t, ask questions about your health. Smoking, chewing tobacco, high blood pressure, excessive weight, diabetes, asthma and other medical conditions will drive your rates up.
Underwriters are trying to figure out how long you will live, and anything that can potentially shorten your life increases your risk and raises your rates. So try to improve your health before you apply. At minimum, document your efforts to get healthy. Show that you are taking medication, quitting smoking, starting to exercise or making other
6 West Virginia Farm Bureau News